LABIDAS OÜ extends credit to companies and business operators in Estonia. Every facility is agreed in a written contract that states the interest rate, all fees, the full repayment schedule and the total amount repayable — before signature, not after.
LABIDAS OÜ is an Estonian private limited company engaged in nondepository credit intermediation: the extension of credit to businesses from its own capital, outside the deposit-taking banking system.
The company has been entered in the Estonian Commercial Register since 2017 and maintains its registered office in central Tallinn. Its field of activity is recorded in the register as the provision of financial services (EMTAK 64991), and its lending is directed exclusively at companies and business operators — it does not serve private individuals.
As a non-bank lender, LABIDAS OÜ does not take deposits, does not operate accounts, and offers no investment products. Its sole business is credit, documented in writing and repayable on a fixed schedule agreed before any funds are advanced.
Each facility serves a defined business purpose and is repaid from an identified source. Terms are set out in the credit agreement.
A fixed sum over a fixed term to finance the interval between payment of suppliers and receipt of customer payments.
Credit for machinery, vehicles and production assets, with terms aligned to the working life of the asset financed.
Financing of stock or confirmed purchase orders exceeding the client's own reserves, repaid upon settlement.
Advances against invoices issued to creditworthy buyers, where extended payment terms constrain the client's liquidity.
Credit for premises, fit-out and capacity expenditure incurred ahead of the revenue it is intended to generate.
Consolidation of existing obligations into a single facility, offered only where the documented total cost decreases.
No facility is advanced except under a signed credit agreement stating the rate, all fees, the schedule and the total amount repayable.
Offers are presented by reference to the total repayable, not the instalment. Clients are encouraged to compare offers on that figure alone.
The cost and effect of early repayment are fixed in the agreement before signature, not negotiated afterwards.
No application, reservation or "release" fee is payable before a credit agreement is concluded. A demand for such a payment is grounds to end the discussion.
Applications are reviewed individually against the client's registry data and financial statements. Approval is never guaranteed and is not advertised as such.
Where a client can obtain comparable credit from a bank on better terms, the company states this openly. Non-bank credit is priced for cases banks decline.
Every claim on this page can be checked against public registers. We recommend doing so — for this company and for any other financial counterparty.
The company's legal name, registry code 14343301, registered office and signatories are recorded in the Estonian e-Business Register at ariregister.rik.ee. Documents presented in the company's name must match that record.
Deposit-taking, consumer credit, investment services and crypto-asset services require authorisation by Finantsinspektsioon (fi.ee). LABIDAS OÜ provides none of those services; providers who do must appear in its public registers.
All terms are contained in the signed credit agreement. Statements not recorded in the agreement form no part of the company's obligations.
Payments are made exclusively between the business accounts named in the credit agreement. The company never instructs payment to private accounts, cards or intermediaries.
The applicant states the purpose of the facility, the intended source of repayment and the required timing.
Registry data and recent financial statements are reviewed. Additional documents may be requested.
A draft credit agreement is issued stating the rate, fees, schedule, early-repayment terms and total repayable.
Upon signature, funds are transferred to the client's business account named in the agreement.
No. The company is a non-bank lender. It does not take deposits, does not operate payment or savings accounts, and is not a credit institution. Bank credit is ordinarily cheaper; applicants able to obtain it on workable terms are advised to do so.
No. Consumer credit in Estonia requires authorisation by Finantsinspektsioon, which the company does not hold. Credit is extended solely to companies and business operators for business purposes.
Rates depend on the amount, term, purpose and security of each facility and are therefore not published. The applicable rate, all fees and the total amount repayable are stated in the written offer before any commitment is made.
Yes, on the terms stated in the credit agreement. The cost or saving of early repayment is fixed in the agreement before signature.
No. The company issues no securities, pays no returns, and accepts no funds from the public. Any solicitation of investment in the company's name should be treated as fraud and reported.
Through the Estonian e-Business Register (registry code 14343301). Counterparties are encouraged to confirm the registry record and to ensure any agreement names the company and its business account exactly as registered.
Enquiries are accepted in writing or by telephone during ordinary business hours (EET).